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New regulations on employee medical insurance payment in 2022
How to pay after the medical insurance is broken? 1. How to pay after the medical insurance is broken?
(a) the collection department of medical insurance institutions shall, according to the arrears of medical insurance, establish arrears data information, fill in the Notice of Payment of Social Insurance Fees, and notify the insured units to pay arrears.
(II) For the insured units that cannot pay off the arrears in full at one time due to financing difficulties, the collection department of the medical insurance institution shall sign a social insurance payment agreement with them. In the case of merger, division, bankruptcy, etc. For defaulting units, overdue agreements shall be signed in the following ways.
1. Where the defaulting units merge, a payment agreement shall be signed with the merging party.
2. If the defaulting units are separated, payment agreements shall be signed with branches.
3. Where the defaulting unit enters bankruptcy proceedings, it shall sign a settlement agreement with the liquidation group.
4. If the unit is sold or leased by auction, an overdue agreement shall be signed with the competent department.
(III) The insured unit pays back the social insurance premium according to the Notice of Payment of Social Insurance Premium or the payment agreement, and the collection department of the medical insurance institution accepts the payment and notifies the financial management department of the medical insurance institution to collect it.
(four) the arrears that the bankrupt unit cannot pay in full shall be accepted by the collection department of the medical insurance institution and handed over to the auditing and supervision department for handling.
(5) The collection department of the medical insurance institution adjusts the arrears information of the insured unit according to the arrears information of the employee medical insurance paid by the financial management department and the verification information of the audit and supervision department.
Two, other matters about the payment of medical insurance for employees.
1. Payment of employee medical insurance. In addition to retirement payment, job transfer interruption for several months, and personal payment interruption for no more than three years, medical insurance for urban workers can not pay, but can only re-participate. Supplementary medical insurance does not need to pay late fees.
2. Can industrial injury insurance be supplemented? Zhao, the office of the Municipal Industrial Injury Insurance Department, said that employees who participated in industrial injury insurance for the first time this year could not pay the industrial injury insurance before joining the insurance. If you have been insured before, your work unit has not changed. Those who owe work-related injury insurance in the middle can make up work-related injury insurance, and there is no need to pay late fees for making up work-related injury insurance.
Third, can medical insurance be reimbursed?
Medical insurance can be paid back. The country began to implement the medical insurance system around 200 1. Medical insurance is generally not required, but the regulations in different regions are different. Some areas stipulate that it must be paid, some areas stipulate that it can be paid, and some areas stipulate that it is not allowed to be paid before retirement. Whether it is necessary to pay depends on the regulations of the region.
When you retire from medical insurance, you must accumulate a certain payment period (including deemed payment period), which is generally 20 -30 years, and the actual payment period must reach 5 years (or 10 years), so that you can enjoy medical insurance benefits for life free after retirement. When retiring, the accumulated payment period is lower than the specified requirements, and the payment period of the poor medical insurance can be paid according to the current rate standard.
The deemed payment period refers to the continuous length of service recognized by the labor department before the implementation of the local medical insurance system and the time (years) for continuous payment of endowment insurance after the implementation of the endowment insurance system.
Can medical insurance be replenished? Medical insurance can make up for it.
Payment process after medical insurance is cut off: 1. If the insured fails to pay the medical insurance premium in full and on time as required, he will stop enjoying the medical insurance benefits from the month when he has never paid it in full and on time. If the payment is continued after the interruption, all the arrears during the interruption must be made up according to the local average wage of employees in the previous year.
2 overdue time is included in the continuous payment time, but you can't enjoy the payment treatment of the overall fund during the overdue period.
3, the insured to suspend the enjoyment of medical insurance benefits within 60 days (including 60 days) to pay medical insurance premiums, from the next month to enjoy the benefits of pooling funds to pay;
4. If the medical insurance benefits are suspended for more than 60 days to 180 days (including 180 days) to pay back the medical insurance, the benefits paid by the overall fund can only be enjoyed three months after the payment month;
5. If the medical insurance benefits are suspended for more than 180 days and the medical insurance premium is paid back, it will be calculated from the month of payment and enjoy the treatment paid by the overall fund after 6 months.
6. If the payment is not made after the interruption, it shall be deemed as re-participation in medical insurance, and the payment time before the interruption shall not be included in the continuous payment time.
Definition of medical insurance:
Medical insurance refers to social medical insurance. It is a social insurance system that meets the basic medical needs of the state and society according to laws and regulations when workers are sick.
20 16 65438+ 10/2 the State Council issued "opinions on integrating the basic medical insurance system for urban and rural residents" to promote the integration of medical insurance for urban residents and the new rural cooperative medical system, and gradually establish a unified national medical insurance system for urban and rural residents.
Definition of social security:
Social insurance refers to a social and economic system that provides income or compensation for people who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.
The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.
How to pay medical insurance (individual payment)? How to pay back the medical insurance can be done through local medical insurance mobile APP and other software or WeChat:
Open WeChat, click on me, click on payment, click on city service, click on social security, enter Shandong taxation, select Shandong taxation and social security payment, click on urban and rural residents, click on residents' medical care, select payment year as 2023, click on adding personnel, and enter.
You can also take the social security card to the counter of the medical insurance agency in the insured area. Every place has a different medical insurance policy. You can call the hotline: area code+12333 for consultation.
According to the laws of our country, people who have paid pension insurance 15 years can retire and receive a pension when they reach retirement age. Another point: people who have paid medical insurance for 25 /20 years before retirement can enjoy national medical insurance benefits after retirement. What should I do if I have not paid medical insurance for 25 years (male) and 20 years (female) when I retire?
1, pay the difference of medical insurance payment years in one lump sum, and increase the medical insurance fee 10% every year from the year of retirement.
2, continue to pay, pay to the minimum payment period, you can enjoy life insurance benefits.
Medical insurance has been paid 10 years, and the difference can be paid in one lump sum; If it does not meet 10 year, it cannot be paid.
3. Individuals who have not been insured for one month in the last three months can make up for it, and they can enjoy medical insurance co-ordination and medical insurance reimbursement the next month after payment. If the interruption month exceeds the last three months, the medical expenses during the overdue period will not be reimbursed after payment. At this time, there is a waiting period of 6 months for medical insurance benefits. He can only enter the overall planning after 6 months of continuous payment, and then he can enjoy medical insurance reimbursement (note: individuals do not need to pay late fees).
How to pay for medical insurance (personal payment) Hello! Individuals can bring their ID cards, social security cards and other information to the local social security agencies to pay medical insurance, and pay according to the approved amount. If an individual establishes a labor relationship with an employer, the employer may pay medical insurance and other insurance on his behalf.
If you want to know more, you can read this article.
What's the difference between residents' medical insurance and employees' medical insurance?
1. If the insured fails to pay the medical insurance premium in full and on time as required, they will stop enjoying the medical insurance benefits from the month when they have never paid it in full and on time. If the payment is continued after the interruption, it must be based on the average salary of local employees in the previous year to make up all the arrears during the interruption.
2 overdue time is included in the continuous payment time, but you can't enjoy the payment treatment of the overall fund during the overdue period.
3, the insured to suspend the enjoyment of medical insurance benefits within 60 days (including 60 days) to pay medical insurance premiums, from the next month to enjoy the benefits of pooling funds to pay;
4. If the medical insurance benefits are suspended for more than 60 days to 180 days (including 180 days) to pay back the medical insurance, the benefits paid by the overall fund can only be enjoyed three months after the payment month;
5. If the medical insurance benefits are suspended for more than 180 days and the medical insurance premium is paid back, it will be calculated from the month of payment and enjoy the treatment paid by the overall fund after 6 months.
6. If the payment is not made after the interruption, it shall be deemed as re-participation in medical insurance, and the payment time before the interruption shall not be included in the continuous payment time.
Endowment insurance is a "partial accumulation system", that is, it takes a long-term balance of funds to support the elderly with the current money in the future; Medical insurance is a "pay-as-you-go" system, that is, the current money is used to see the current illness, and the current fund is required to be balanced. The overall fund is used for mutual assistance, and those who are not insured in the current period cannot enjoy the treatment, otherwise it will harm the interests of all insured persons.
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How to pay medical insurance? How to pay medical insurance? If there is a unit, it can be returned through the unit. If no unit can pay by itself as a flexible employee. Generally speaking, there are two payment methods:
One is residents' medical insurance and the other is urban workers' medical insurance. Residents pay 300 yuan for medical insurance for about one year. Employees' medical insurance should pay about 3000 yuan. It is precisely because they pay different amounts that the reimbursement ratio is different. The proportion of residents' medical insurance reimbursement is around 60%. The proportion of medical insurance reimbursement for employees is around 85%. No matter what kind of medical insurance, you should participate in medical insurance as much as possible so that you can reimburse medical expenses when you are sick. Greatly reduce our medical expenses. Medical insurance for employees, 30 years for men and 25 years for women. The fixed number of years here includes the deemed payment period, and you can go through the medical insurance retirement procedures when you reach retirement age.
The deemed payment period refers to the length of service before 2000. Because after 2000, China implemented the medical insurance system. Therefore, the length of service before this can be calculated as the payment period.
The above contents are for reference only. Thank you!
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